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[Urgent Search] U.K Mortgage Underwriter

Selections HR Services Private LimitedIndia

3 hours ago

Job description

We are seeking a skilled U.K Mortgage Underwriter with expertise in the 4 C’s of underwriting (Credit, Capacity, Collateral, and Capital). The ideal candidate will have experience in risk assessment, income calculations, and property evaluation, ensuring compliance with underwriting guidelines and regulatory standards.

Shift & Working Days :

Shift : U.K (11am -11pm).
Working Days : 5 days of working.

Key Responsibilities :

Underwriting Activities : Review, analyze, and approve / deny mortgage applications based on risk assessment and investor guidelines.

4 C’s of Underwriting : Evaluate borrower’s Credit, Capacity, Collateral, and Capital to determine loan eligibility.

Income Calculation : Assess borrower income using tax returns, W-2s, pay stubs, and financial statements.

Risk Assessment : Analyze creditworthiness, property valuation, and overall lending risks to ensure sound decision-making.

Compliance & Quality Control : Ensure adherence to federal, state, and investor regulations, maintaining high-quality underwriting standards.

Collaboration : Work closely with loan officers, processors, and other stakeholders to streamline the underwriting process.

Requirements :

Experience : Minimum 2 years in mortgage underwriting, preferably in U.S. or U.K. or global residential loans.

Attention to Detail : Strong analytical skills to assess financial documents and property risks accurately.

Communication : Ability to articulate underwriting decisions effectively to internal teams and external stakeholders.

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Mortgage Underwriter • India